Call reports 2004
TRISTAR BANK — 2004
What TRISTAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,665,000 | 81,708,000 | 84,489,000 | 86,508,000 |
| Total loans | 46,155,000 | 50,172,000 | 54,123,000 | 54,281,000 |
| Allowance for loan losses | 578,000 | 610,000 | 643,000 | 698,000 |
| Securities available for sale | 17,320,000 | 23,675,000 | 20,872,000 | 24,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,779,000 | 73,160,000 | 75,136,000 | 76,596,000 |
| Interest-bearing deposits | 56,278,000 | 67,600,000 | 68,784,000 | 70,371,000 |
| Noninterest-bearing deposits | 4,501,000 | 5,560,000 | 6,352,000 | 6,225,000 |
| Equity capital | 8,559,000 | 8,161,000 | 8,894,000 | 8,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,943,000 | 3,048,000 | 4,202,000 |
| Interest expense | 345,000 | 718,000 | 1,121,000 | 1,535,000 |
| Net interest income | 600,000 | 1,225,000 | 1,927,000 | 2,667,000 |
| Noninterest income | 176,000 | 381,000 | 712,000 | 983,000 |
| Noninterest expense | 544,000 | 1,157,000 | 1,883,000 | 2,580,000 |
| Provision for loan losses | 15,000 | 70,000 | 145,000 | 200,000 |
| Pretax income | 220,000 | 382,000 | 610,000 | 1,105,000 |
| Income tax | 77,000 | 127,000 | 198,000 | 395,000 |
| Net income | 143,000 | 255,000 | 412,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,513,000 | 7,870,000 | 8,187,000 | 8,313,000 |
| Total capital | 9,091,000 | 8,480,000 | 8,830,000 | 9,011,000 |
| Risk-weighted assets | 51,910,000 | 58,264,000 | 61,685,000 | 63,452,000 |